And be honest with yourself… Are you a bit nervous as a property owner as to where the market is going? Have you wondered about what it will take to get market value in a reasonable amount of time?

The short answer is, “If you could sell for more than market value and sell 70% faster than normal marketing days, would you be interested?”

Read on to see if any of the following may meet your criteria.

Advantages to Seller

More potential buyers and marketability of property

Faster closing

Less “red tape” of qualifying buyer resulting in

A more predictable closing as, you the seller are the loan underwriter

Greater flexibility

Higher sales price

Cash at closing

Well-constructed notes can be sold for minimum discount at the point of note creation or at any time in the future.
A note secured by a deed of trust or a business is an asset that can be bought and sold rather easily. The sale of a note is not as different from the sale of real property as you might imagine. Many of the same principles apply, and even some of the same paperwork. The amount of discount required to sell any given asset is related to the amount of risk it represents.

We have a passion to help investors stay Dodd Frank compliant. No deal is too good to risk being on the bad side of an audit. The CFPB has made compliance much easier, and we can’t put a price on peace-of-mind. With 21 years experience in lending and a passion to help, we set out to bridge investors with owner-occupied buyers, and open a door where both can prosper, safely.

The relative risk of any cash flow is usually determined by evaluating the five following factors:

Was the transaction Dodd-Frank compliant?

Protective equity

Credit history of Payor

Payment History

Seasoning

Notes can be created in a multitude of ways to meet the needs and financial objectives of the note holder.

There are many factors that can be manipulated to come up with a creative, unique solution that meets the needs of all parties concerned. Carrying paper is one of the most flexible, adaptable tools available in the disposition of real estate.

What’s the minimum amount of cash that the seller absolutely needs?

What’s the maximum amount of money the buyer can put down?

What is the credit worthiness of the buyer?

How long does the seller need or want to carry?

If there’s a balloon payment, what is the exit strategy?

Will the seller have regular needs for larger sums of money?

Do they need to buy a new car, or pay for medical expenses?

Will the seller need stepped-up payments to keep up with inflation?

This may all seem very complicated. When detailed and if done properly by your team, it is a very simple process.

The Seller Finance Step by Step Process

Agent / Investor Determines the seller needs

Seller Consults with Casa Preservation

Lender prequalifies buyer

Negotiate terms of sale

Title Work

Buyer costs

Seller Costs

Complete Sale

Note to Servicer

Seller can:

Keep Note for cash flow

Sell Note and cash out

Sell part of the note and retain some of the note

Because of the flexibility that owner financing provides, Casa Preservation, LLC can help structure the seller financed note to meet the needs of both seller and buyer. We can “tailor” a program to solve any problem. The buyer will get the property and you, the seller will get the cash.